St. Charles County property record for 3904 Opal Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 858 sqft · built 1968 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $148,000 (Jan 2019) |
| Tax Bill | $2,136 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 491250A000 |
| Primary APN | 491250A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 858 sqft Living Area |
| 1st Floor Area | 858 sqft |
| Basement Area | 546 sqft |
| Finished Basement | 491 sqft |
| Year Built | Built 1968 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 10,000 sqft |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 50 sqft |
| Patio Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 491250A000 |
|---|---|
| Old Parcel Number | 491250A000 |
| Street Address | 3904 OPAL DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | COPELAND HGTS LOT 8 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | COPELAND HGTS |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3904 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jan 15, 2019 | Warranty Deed, Transfer DAS ACQUISITION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2019 · Amount on Record |
| Deed Sale | Jan 15, 2019 · Amount on Record |
| Prior Sale | Apr 11, 2016 |
| Deed Document Number | 0070251341 |
| Deed Book / Page | 7025 / 1341 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3904 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3904 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Document Number | 2021R055570 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 2021R-055570 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 15, 2019 |
| Property Address | 3904 OPAL DR, SAINT CHARLES, MO 63304-6822 |
| Document Number | 0070251341 |
| Book / Page | 007025 / 001341 |
| Instrument Date | Jan 11, 2019 |
| Instrument | 21570 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2019 |
| Title Company | NETCO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3904 OPAL DR ST CHARLES MO 633046822, ST CHARLES, MO 63304-6822 |
| Document Number | 70251343 |
|---|---|
| Date | Jan 15, 2019 |
| Book Page | 007025/001343 |
| Instrument | 21580 |
| Name | DAS ACQUISITION |
|---|---|
| Address | ST LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 14, 2049 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,136.00 | $35,791 (+4.93%) | $188,376 (+4.93%) Land $45,000 Building $143,376 |
| 2023 | $34,111 | ||
| 2022 | $179,532 Land $45,000 Building $134,532 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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